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It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.

Robert Kiyosaki

Financial fitness is not a pipedream or a state of mind it’s a reality if you are willing to pursue it and embrace it.

Will Robinson

A good financial plan is a roadmap that shows us exactly how the choices we make today will affect our future.

Alexa Von Tobel

Modern Portfolio theory as used by most financial planners’ recommend that you diversify with a balance of stocks and bonds and cash that is suitable to your risk tolerance.

Harry Markowitz

At JCPI, we like to make your life simpler. We take a problem solving approach to financial planning, offering our clients expert and impartial financial advice and creating a bespoke service that paves the way to a more secure financial future.

Cash flow in retirement will determine your wealth not your net worth

(Private sector employee) – average income expectation at retirement £24,370 (Scottish Widows) this is double the actual average at age 65 (of £13,000). [If we assume that state retirement pension is £155.65 per week/£8093 per annum then to achieve income of £24,370 overall using flexi-access drawdown a pension fund of c£325,000 would be required (assuming a 5% monthly withdrawal].

(Barclays surveyed 2,000 employees who are currently paying into a workplace ‘defined contribution’ pension scheme).

The bank calculated that people would need an annual income of £17,500 in retirement to maintain a decent lifestyle. To be able to achieve this income, an employee would need to save a pension pot of £350,000 using flexi-access drawdown to achieve this.